Your short-term insurance policy includes time limits for lodging a claim and for disputing a claim decision. You must make sure you are aware of the time restrictions and the consequences of non-compliance.
The first time-sensitive issue is the requirement to report an insured loss as soon as possible after it occurs, but no later than 30 days after. You risk forfeiting your right to claim against your insurer if you fail to notify it timeously of the loss.
The second “clock” starts ticking if you intend lodging a dispute over your insurer’s claim decision. Your policy allows a minimum of 90 days after you are notified of your insurer’s claim decision during which you may lodge an internal dispute with the insurer. An additional 180 days is allowed for you to escalate the dispute to other dispute resolution bodies such as Osti.
If you still fail to act, your insurer can rely on the time-barring provisions in your policy to prevent your dispute from being heard.